Cheapest and Best Car Insurance in Hillsboro, OR (2024)

The cheapest car insurance company for you will depend on your driver profile and background. For full coverage and minimum coverage, Country Financial is the lowest. It's also the best option after a driving offense and for military drivers, with affordable rates and good service quality. Nationwide is the most suitable option for teens on a parent's policy.

On average, the cheapest minimum coverage car insurance in Hillsboro is with the following:

• Country Financial: $492 per year
• State Farm: $538 per year

Dairyland is the most expensive for minimum coverage, charging around $1,846 per year.

MoneyGeek found that State Farm offers the cheapest minimum coverage car insurance in Oregon, charging roughly $380 per year as of October 2022. Your location plays a vital role in determining how much you pay.

A minimum coverage policy in Oregon only includes bodily injury liability coverage, property damage liability coverage, uninsured motorist coverage and personal injury protection. Such a policy has the following limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage per accident
• $15,000 personal injury protection

Your liability coverage amount is the maximum expense your insurance company will cover in an at-fault accident. For example, a minimum coverage policy in Oregon includes $25,000 per person in bodily injury coverage, with a max per accident of $50,000. If the other vehicle’s passengers require medical attention exceeding this amount, you must pay it.

The following companies offer, on average, the cheapest full coverage auto insurance in Hillsboro:

• Country Financial: $829 per year
• State Farm: $878 per year

Dairyland has the most expensive full coverage insurance policy, costing around $2,929 annually.

As of October 2022, the cheapest full coverage car insurance in Oregon is with State Farm. The company’s state average cost is $706 a year — which is more affordable than the cost in Hillsboro.

You get comprehensive and collision insurance with a full coverage policy.

• Comprehensive Insurance: It will pay for vehicle repair or replacement in case of theft, animal damage, vandalism or other incidents.
• Collision Insurance: It covers the cost of vehicle repair or replacement if you damage it due to an at-fault accident.

Full coverage might not suit older vehicles, as its costs can be high, and with a low-value car, it may not be worth paying more each year for it.

MoneyGeek found that Hillsboro drivers with various violations will get the cheapest rates, on average, from the following companies:

• Speeding ticket: State Farm ($992 per year)
• At-fault accident: Nationwide ($1,151 per year)
• DUI: State Farm ($992 per year)

Dairyland is the most expensive insurance company for drivers with a speeding ticket ($3,624 per year), at-fault accident ($3,954 per year) or DUI ($3,247 per year), on average.

An unfavorable driving record can immensely impact your premium, so the cheapest company rates for drivers with a bad history will be more than what safe drivers pay.

Your insurance cost could go up with a violation, and its severity may impact what you pay. In Hillsboro, MoneyGeek’s data shows that the average premium of a driver with a speeding ticket is $295 less than the average policy cost of a driver with a DUI on their record. We analyzed the companies offering the cheapest car insurance for poor driving records.

For a teen driver on a family policy, the following companies have the average cheapest auto insurance:

• Nationwide: $1,278 per year for female teens; $1,371 per year for male teens
• State Farm: $1,486 per year for female teens
• Allstate: $1,653 per year for male teens

Capital Insurance Group is the most expensive, charging an average of $3,079 per year for female teens and $2,937 per year for male teens.

Young men may pay slightly more for a policy because they are seen as riskier to insure, as is seen in the Nationwide rates in Hillsboro, where they pay around $93 more per year. However, this cost difference drops off in early adulthood.

Teen drivers pay a high premium if they buy an individual policy. MoneyGeek found that a 16-year-old driver in Hillsboro pays as much as $3,327 more on average for a personal policy compared to being on their parent’s policy. You can find the cheapest car insurance for teens. by shopping around.

The following companies offer, on average, the cheapest insurance policies in Hillsboro for active-duty military members and veterans:

• Country Financial: $829 per year
• USAA: $860 per year

Both companies also offer the most affordable auto insurance for military drivers in Hillsboro seeking minimum coverage.

The average cost of minimum coverage with Country Financial is $492 per year, while USAA charges an average of $511 per year.

You can get online car insurance quotes in Hillsboro, Oregon, but it can take 15 or more minutes per company, and you will enter a lot of personal information. If you want a ballpark estimate of your car insurance expense, consider using MoneyGeek’s car insurance calculator. It estimates your insurance cost based on your age, vehicle type, coverage level and driving record.

The best car insurance provider for you will depend on how much you value affordability, service quality and other factors. The following are the best car insurance companies in Hillsboro:

• Best overall: Country Financial (MoneyGeek score of 81 out of 100)
• Best for service: Capital Insurance Group (MoneyGeek score of 68 out of 100)
• Best cheap: Country Financial (MoneyGeek score of 82 out of 100)

The overall MoneyGeek score can differ for each category because factors may be weighted differently.

Country Financial also offers the best car insurance in Oregon. Drivers with a military background may choose USAA car insurance, with a MoneyGeek score of 84 out of 100.

MoneyGeek’s analysis shows that the best car insurance companies in Hillsboro are:

• Country Financial: MoneyGeek score of 81 out of 100 ($829 per year)
• Capital Insurance Group: MoneyGeek score of 76 out of 100 ($1,247 per year)

Country Financial earned a perfect score for affordability and ranked the second-highest for customer satisfaction.

Drivers with military backgrounds may benefit the most from USAA car insurance, as it tailors its policies to military personnel. The company scored 84 out of 100 in MoneyGeek’s rating system.

When we do not consider cost in our analysis, the following companies are the best options for good customer service in Hillsboro:

• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,247 per year)
• Country Financial: MoneyGeek score of 65 out of 100 ($829 per year)

Capital Insurance Group outranks the competition with the highest claims management and customer satisfaction scores. The insurer is one of the most expensive options for a policy in Hillsboro, which shows it charges more money to provide good service.

MoneyGeek analyzed the affordability and service quality of a minimum coverage policy in Hillsboro that meets Oregon’s minimum car insurance requirements and found the following best options:

• Country Financial: MoneyGeek score of 82 out of 100 ($492 per year)
• Capital Insurance Group: MoneyGeek score of 78 out of 100 ($640 per year)

Although buying minimum coverage will lower your insurance costs, you will only get a low amount of liability coverage and won’t have protection if an at-fault accident damages your vehicle.

The average cost of car insurance in Hillsboro for full coverage is $1,146 per year. The city’s average price is $119 less than the national average and $4 less than Oregon’s average car insurance cost. The policyholder’s location significantly affects the cost.

The rates mentioned here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability per accident.